Grade A · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$585
median across reports
vs. National Average
83%
below national avg
Avg Origination Charge
$3,437
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| discount_points | $11,246 | $2,425 | 🔺 High |
| Origination Fee | $3,437 | $1,553 | 🔺 High |
| lender_credits | $1,065 | $443 | 🔺 High |
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Check My Loan Estimate — $19Based on 1,124 homebuyer-submitted Closing Disclosures, Shea Mortgage Inc.'s median total closing costs are $585. This is about 83% below the $3,356 national peer median for comparable lenders. Actual costs vary by loan type, loan amount, property state, and individual borrower profile. This data is informational only and not financial advice.
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What Are Junk Fees on a Mortgage?
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How to Read Your Closing Disclosure
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Average Closing Costs by State
Benchmark your costs against the state average.
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Aggregates from Shea Mortgage Inc.'s 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
1,071
Ranked #356 nationally
Median Total Costs
$572
−91.4% vs national ($6,680)
Median Rate
6.250%
−3.7% vs national (6.490%)
Median Origination
$0
Median Lender Credits
$495
Cost Rank (500+ vol.)
#5
among lenders with 500+ originations
Denial Rate
1.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 944 | 6.375% | $525 | $0 |
| va | 74 | 5.990% | $1,280 | $0 |
| fha | 53 | 5.624% | $9,381 | $0 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Arizona | 356 | 6.125% | $525 | #54 |
| Colorado | 235 | 6.250% | $0 | #68 |
| California | 162 | 6.375% | $1,253 | #161 |
| Texas | 86 | 5.750% | $625 | #296 |
| Nevada | 57 | 6.500% | $545 | #86 |
| South Carolina | 53 | 5.990% | $425 | #158 |
| North Carolina | 39 |
| This lender | Arizona median | National median | |
|---|---|---|---|
| Total Closing Costs | $525 | $8,336 | $6,680 |
| Interest Rate | 6.125% | 6.250% | 6.490% |
| Originations in state | 356 | — | — |
Based on 2025 HMDA data. State and national medians cover all reporting lenders.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Shea Mortgage Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $555,000 | $335,000 | +$220,000 (+65.7%) |
| Median total closing costs | $572 | $7,127 | −$6,555 (−92.0%) |
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This content is for informational purposes only and does not constitute legal, financial, or tax advice. Consult a licensed professional for advice specific to your situation.
| 6.500% |
| $700 |
| — |
| Washington | 31 | 6.375% | $1,110 | — |
| Virginia | 25 | 6.500% | $640 | — |
| Idaho | 20 | 6.562% | $708 | — |
| Florida | 7 | 6.375% | $1,451 | — |